Transunion mail credit report

TransUnion is one of the three major credit reporting agencies in the United States, along with Equifax and Experian. If you've received a mail credit report from TransUnion, it's likely because you've requested a copy of your credit report or because you're a victim of identity theft and are trying to monitor your credit.

Here's what you can expect to see on a TransUnion credit report:

  1. Personal Information: Your name, address, date of birth, and Social Security number (redacted for security purposes).
  2. Credit Accounts: A list of your credit accounts, including credit cards, loans, mortgages, and other types of credit. This will include the account name, account number, credit limit, and payment history.
  3. Payment History: A record of your payment history for each account, including late payments, missed payments, and accounts sent to collections.
  4. Credit Utilization: A calculation of how much credit you're using compared to the credit available to you. This is often expressed as a percentage.
  5. Public Records: A list of any public records, such as bankruptcies, foreclosures, and tax liens, that may be affecting your credit score.
  6. Inquiries: A list of companies that have requested your credit report in the past year, along with the date of the inquiry.
  7. Credit Score: TransUnion provides a credit score, which is a three-digit number that represents your creditworthiness. The score ranges from 300 to 850, with higher scores indicating better credit.

What to do with your TransUnion credit report:

  1. Review your report carefully: Check for any errors or inaccuracies on your report and dispute them with TransUnion if necessary.
  2. Monitor your credit score: Keep an eye on your credit score and work to improve it by paying your bills on time, keeping credit utilization low, and avoiding new credit inquiries.
  3. Use it to monitor your credit: Regularly reviewing your credit report can help you detect identity theft or other credit-related issues early on.
  4. Consider freezing your credit: If you're concerned about identity theft, you may want to consider freezing your credit report with TransUnion and the other major credit reporting agencies.

Remember, you're entitled to a free credit report from each of the three major credit reporting agencies once every 12 months. You can request your free report from AnnualCreditReport.com.